---
title: "AIG vs CNA: Fiduciary Liability Insurance"
description: "AIG names optional plan-compliance protections, while CNA lists pre-claim investigation and voluntary-compliance costs in its fiduciary coverage features."
canonical: "https://spot.insure/compare/aig-vs-cna/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-cna"
provider-a: "aig"
provider-b: "cna"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-cna/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of AIG and CNA for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about AIG versus CNA. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs CNA for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, AIG or CNA?
- What does AIG or CNA publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from AIG or CNA?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: AIG and CNA.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs CNA](https://spot.insure/compare/aig-vs-cna) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-cna/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Commercial Property Insurance](https://spot.insure/compare/aig-vs-cna/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-cna/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Inland Marine Insurance](https://spot.insure/compare/aig-vs-cna/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Media Liability Insurance](https://spot.insure/compare/aig-vs-cna/media) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line)

# AIG vs CNA: How Do They Compare for Fiduciary Liability Insurance?

AIG names optional plan-compliance protections, while CNA lists pre-claim investigation and voluntary-compliance costs in its fiduciary coverage features.

## Research Scope and Use

Use this comparison to evaluate AIG and CNA for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

CNA describes pre-claim investigation and voluntary-compliance costs; AIG lists optional IRS Audit Protector, settlor and ACA protections subject to policy terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [4](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [5](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [6](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [8](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Compliance and Investigation Costs

CNA lists defense and claim expenses, certain legal penalties, voluntary-compliance costs and pre-claim investigation costs among its fiduciary features. AIG describes IRS Audit Protector and other compliance-related options, while cautioning that availability and scope depend on the issued form. A sponsor concerned about an inquiry before a lawsuit should check whether the proposed contract covers the specific investigation and whether that protection is built in or available only by endorsement. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

### Plan Audience and Support

CNA says its fiduciary offering is written for public, private and nonprofit organizations and that insureds can access a claims team and expert guidance. AIG describes coverage for people and entities overseeing 401(k), pension and welfare plans, plus specialized underwriting and claims teams. Those broad audiences do not resolve a specific plan's eligibility; compare the named insureds, eligible organization type and service contacts in each proposal. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Does CNA cover this particular regulator inquiry before a claim, and what conditions apply to investigation costs? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")
- Is AIG's IRS Audit Protector included for the plan, and what organization and plan types qualify? [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA")

## Offering Details

| Criteria | AIG Fiduciary Liability Insurance Edge | CNA Epack 3 Fiduciary Liability |
| --- | --- | --- |
| Role in This Line | AIG markets Fiduciary Liability Insurance Edge and related plan-fiduciary options. AIG’s page describes insurance protection but does not identify the issuing subsidiary for a specific account. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Confirm in your quote. |
| Who It’s For | AIG describes fiduciary coverage for business executives and people or entities overseeing 401(k), pension and employee welfare plans. The page does not establish eligibility for every plan sponsor or plan type. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | CNA states its fiduciary offering is written for public, private and nonprofit organizations. [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Subject to underwriting and policy terms. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) |
| Coverage Features | AIG says Fiduciary Edge addresses personal liability imposed on directors, officers and employees who oversee benefit plans and the sponsoring company. It describes certain penalty and compliance-program extensions subject to sublimits and policy terms. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | CNA states its Fiduciary Liability addresses exposure from administration and management of employee benefit and retirement plans. [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: This is fiduciary liability, not an ERISA fidelity bond or employee-benefits liability. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..)<br><br>CNA lists defense/claim expenses, certain legal penalties, voluntary compliance costs and pre-claim investigation costs among its fiduciary coverage features. [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company marketing summary only; issued policy forms, underwriting, jurisdictional availability, limits, exclusions and definitions control. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) |
| Limits and Retentions | The page says some penalties, fees and expenses are subject to sublimits but does not publish a buyer-specific limit schedule. Confirm all sublimits and conditions in the quote and policy. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | Confirm in your quote. |
| Risk Services | AIG describes specialized underwriting and claims teams and lists the IRS Audit Protector program, settlor coverage and an ACA extension as product options. Availability and scope of each option must be confirmed in the issued form. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |
| Claims Support | Confirm in your quote. | CNA says fiduciary insureds have access to a claims team and expert guidance. [7](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES "Fiduciary Liability | CNA") (Evidence: Company-reported; scope: Entity: CNA brand; issuing company varies by form/state Product: Epack 3 Fiduciary Liability Jurisdiction: United States Research source scope: U.S. employee-benefit/retirement-plan fiduciary liability under Epack 3; not ERISA fidelity bond Claim limitation: Company-reported service description; not an outcome guarantee. Source/date qualification: Fiduciary sheet dated 20251218 / ©2025; it is a marketing summary, not the issued policy form..) |

## Full Comparison

- [AIG vs CNA](https://spot.insure/compare/aig-vs-cna): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [AIG vs CNA Builders Risk Insurance](https://spot.insure/compare/aig-vs-cna/builders-risk)
- [AIG vs CNA Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-cna/cargo-transit)
- [AIG vs CNA Commercial Auto Insurance](https://spot.insure/compare/aig-vs-cna/commercial-auto)
- [AIG vs CNA Commercial Property Insurance](https://spot.insure/compare/aig-vs-cna/commercial-property)
- [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime)
- [AIG vs CNA Cyber Insurance](https://spot.insure/compare/aig-vs-cna/cyber)
- [AIG vs CNA D&O Insurance](https://spot.insure/compare/aig-vs-cna/directors-officers)
- [AIG vs CNA Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-cna/employment-practices)
- [AIG vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-cna/equipment-breakdown)
- [AIG vs CNA Fidelity Bonds](https://spot.insure/compare/aig-vs-cna/fidelity-bonds)
- [AIG vs CNA General Liability Insurance](https://spot.insure/compare/aig-vs-cna/general-liability)
- [AIG vs CNA Hired and Non-Owned Auto Insurance](https://spot.insure/compare/aig-vs-cna/hired-non-owned-auto)
- [AIG vs CNA Inland Marine Insurance](https://spot.insure/compare/aig-vs-cna/inland-marine)
- [AIG vs CNA Kidnap and Ransom Insurance](https://spot.insure/compare/aig-vs-cna/kidnap-ransom)
- [AIG vs CNA Management Liability Insurance](https://spot.insure/compare/aig-vs-cna/management-liability)
- [AIG vs CNA Media Liability Insurance](https://spot.insure/compare/aig-vs-cna/media)
- [AIG vs CNA Product Liability Insurance](https://spot.insure/compare/aig-vs-cna/product-liability)
- [AIG vs CNA Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-cna/professional-errors-omissions)
- [AIG vs CNA Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-cna/workers-compensation)
- [AIG vs Alliance Risk Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/fiduciary)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary)
- [AIG vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-baldwin/fiduciary)
- [AIG vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-beazley/fiduciary)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [AIG vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-chubb/fiduciary)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Fiduciary Liability Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/fiduciary-liability). AIG; Official AIG Fiduciary Liability page, lines 242–274: plan sponsor and fiduciary audience, Fiduciary Edge, example statutory sublimited coverages, IRS Audit Protector, settlor and ACA options, and standard-policy caveat.. Accessed 2026-09-30.

### CNA

4. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
5. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
6. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.
7. [Fiduciary Liability | CNA](https://www.cna.com/sites/default/files/assets/4aa227df-6712-403a-8b0a-df219c0f8cc3/CNA-Epack3-Fiduciary-SS.pdf?ContentCache=NONE&MOD=AJPERES). CNA; pp. 1–2: benefit-plan administration, covered costs, eligible organizations and claims. Accessed 2026-09-28.

### Fiduciary Liability Insurance Guide

8. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
9. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## CNA Reviews

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-cna/fiduciary.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)